• Report: #343165

Complaint Review: First Data Credit Services

  • Submitted: Mon, June 23, 2008
  • Updated: Sat, August 09, 2008

  • Reported By:Columbus Ohio
First Data Credit Services
1200 Montego Way Walnut Creek, California U.S.A.

First Data Credit Services Chris Waymon FIRST CREDIT TRYING TO RIP ME OFF! WHAT DO I DO???? Walnut Creek California

*Consumer Suggestion: Don't send the voided check

*Author of original report: How I fixed this

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I and my wife had planned to open an online deli to cater to local Residents and Companies, so one of the things I seached for was a Credit Card processing company. I filled out several "Informational" Applications and the first one to call me was First Data Credit Services.

I spoke with Chris Waymon whom btw was very polite and seemed to be explaining everything to me.

Well I noticed when it came to the cost part and emailing me the application. I searched for his company online all the while before giving out sensitive data like Bank account info, so once I found it I proceeded to give him the requested info to fill out the application.

He stayed on the phone with me until the application arrived in my email. When I opened it it was automatically at the middle of the page.

Then he had me scroll to the bottom of the page and input my full name and click two check boxes. He then told me they needed a voided check in order to process my application. I told him I needed to contact my wife for her to fax it over. When I contacted my wife she was uncomfortable with going through with this at this time.

So I immediately within 10 mins called First Data Creit Services, I called about 5 times, was hung up on once, was forwarded to his voicemail, and then finally he called back. During all this waiting to hear from him, I went and checked my email. And in my email it said at the header "Thanks for Applying at Cardservice International" And gave me a couple links to download.

So I downloaded them and one of them reads at the top "Merchant Application Agreement" And list a BUNCH of stuff that is incorrect like Age of Business (longer then said because our business is only 3 days old, they have it inputed as over 1 year) All the estimated numbers are incorrect for expected sales (higher then what I told him) And it even says I was recieving Equipment (which I told him and was told I was only interested in doing the over the phone terminal services where I wouldnt have to bother with any equipment).

This is really buggin me out because they now have my Bank Routing and Account number and I havent even used their service yet, nor did I know they were running my application even BEFORE they recieved a voided check like they said they needed to proceed.

When I finally got a hold of Chris, he said he has the ability to request Application Cancellation, but couldnt garuntee it because they already ran my credit etc. I asked "What about the voided check we havent sent yet, and you told me you needed to proceed?" He replied "No, what I said was once they recieved that, they would send me a welcome email with my account details etc."

I asked him to send me some type of correspondence regarding cancelling my account and that I look forward to recieving such.


Columbus, Ohio

This report was posted on Ripoff Report on 06/23/2008 11:02 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Data-Credit-Services/Walnut-Creek-California-94598/First-Data-Credit-Services-Chris-Waymon-FIRST-CREDIT-TRYING-TO-RIP-ME-OFF-WHAT-DO-I-DO-343165. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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Updates & Rebuttals

#1 Consumer Suggestion

Don't send the voided check

AUTHOR: David - (U.S.A.)

They need your voided check so they can deposit money you make online and to debit your account for the fees you owe (including termination fees if you cancel with First Data).

The reason he put your business was over a year old is because he wanted to ensure he could get your business approved. The reason he overstated your sales was probably so that if your business grew quickly, you would hopefully not have money held in reserve because you exceeded your limits.

You should read the entire application very clearly. If you are with a bank that owns their own processor, I would suggest going that route. Not many banks do, but those that do are usually not only much better at the service end, but have a lot more to lose if the service fails (ie: your entire bank relationship). Bank of America is one. They own BA Merchant Services. US Bank is another one and they own Elavon. Both are very good, but Elavon is rated by Mastercard the best in the industry.

Also look to see that chargeback fees aren't more than $15 and that there are no retrieval fees ($10 charged just to send proof that your sale shouldn't be refunded). Also, don't pay annual fees or batch header fees or debit access fees... those are bogus charges for pure profit. Statement fees shouldn't be more than $10/mo and should be the only monthly fee you pay other than transactions.

If you didn't send your voided check in, I'm not sure how they will be able to bill you for anything. And as long as you haven't done a transaction if they approved you, you should easily be able to cancel without penalty based on not completing the entire process and being misrepresented on the application.
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#2 Author of original report

How I fixed this

AUTHOR: Nate - (U.S.A.)

So I immediately contact my closest Army Judge Advocate General's Office, and told them what happend.

They instructed me to email them back so it is in writing exactly what happend and how / why I believe I was entered into the contract under false pretense / understanding of what was being said, and what they were doing on their computer at the time of the application, and link to them the JAG Offices Fraudulent Investigations Site and that any further communications will be forwarded to my representitive.

So if you are in the military, and having issues with possible cases of fraud, please dont hesitate to contact them as they are here to protect you as a Soldier and you family, cause protecting you means, protecting the United States Armed Forces. Here is their main site: https://www.jagcnet.army.mil/JAGCNETInternet/Homepages/AC/ArmyFraud.nsf/(JAGCNetDocID)/HOME?OpenDocument

Just wanted to update and give a possible solution to any other service members that may be being ripped off by this company.

Here is a copy of his email to me in response:

Chris Waymon to me
show details 4:50 PM (4 hours ago) Reply


Per your request, and as I informed you yesterday your merchant account has been closed. I do not appreciate you sending threatening emails accusing my company of fraud. You didn't "unknowingly" sign up for anything. You told me that your wife decided that it wasn't a good idea after you had submitted your application. Moving forward it is in your best interest to make important business decisions before you apply for a merchant account and divulge your social security number, checking account information, and credit card number. You will not receive any future charges or communication from our company.


Chris Waymon
Senior Account Representative
Flagship Merchant Services

Now I noticed he tries to flip the story on me like its my fault while the whole time he knew what he was doing. Anyways, just wanted to give some advice of all those ripped off by this company to any soldiers out there.

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